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HomeMy WebLinkAbout4.0 - Platting Cert_Subdivision GuaranteeSUBJECT TO THE EXCLUSIONS FROM COVERAGE,THE LIMITS OF LIABILITY AND OTHER PROVISIONS OF THE CONDITIONS AND STIPULATIONS HERETO ANNEXED AND MADE A PART OF THIS GUARANTEE,AND SUBJECT TO THE FURTHER EXCLUSION AND LIMITATION THAT NO GUARANTEE IS GIVEN NOR LIABILITY ASSUMED WITH RESPECT TO THE IDENTITY OF ANY PARTY NAMED OR REFERRED TO IN SCHEDULE A OR WITH RESPECT TO THE VALIDITY,LEGAL EFFECT OR PRIORITY OF ANY MATTER SHOWN THEREIN. Old Republic National Title Insurance Company,a Florida corporation,herein called the Company, GUARANTEES the Assured named in Schedule A,against actual monetary loss or damage not exceeding the liability amount of stated in Schedule A which the Assured shall sustain by reason of any incorrectness in the assurances set forth in Schedule A. IN WITNESS WHEREOF,OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY has caused its corporate name and seal to be hereunto affixed by its duly authorized officers,the Guarantee to become valid when countersigned on Schedule A by an authorized officer or agent of the Company. Issued by: _____________________________________________________ Authorized Signatory ORT Form 3796 (CLTA Guarantee (Rev.12/94) Guarantee SGSG-08020937 File Number: M-41237 Policy Issuer:MONTANA TITLE AND ESCROW, INC. 1925 N. 22ND AVENUE, SUITE 102 BOZEMAN, MT 59718 PHONE: (406) 587-7702 GUARANTEE CONDITIONS AND STIPULATIONS 1.Definition of Terms. The following terms when used in the Guarantee mean: a.the “Assured”:the party or parties named as the Assured in this Guarantee,or on a supplemental writing executed by the Company. b.“land”:the land described or referred to in Schedule (A)(C)or in Part 2,and improvements affixed thereto which by law consti- tute real property.The term “land”does not include any property beyond the lines of the area described or referred to in Schedule (A)(C)or in Part 2,nor any right,title,interest,estate or easement in abutting streets,roads,avenues,alleys,lanes, ways or waterways. c.“mortgage”:mortgage,deed of trust,trust deed,or other security instrument. d.“public records”:records established under state statutes at Date of Guarantee for the purpose of imparting constructive notice of matters relating to real property to purchasers for value and without knowledge. e.“date”:the effective date. 2.Exclusions from Coverage of this Guarantee. The Company assumes no liability for loss or damage by reason of the following: (a)Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assess- ments on real property or by the public records. (b)(1)Unpatented mining claims;(2)reservations or exceptions in patents or in Acts authorizing the issuance thereof;(3)water rights, claims or title to water:whether or not the matters excluded by (1),(2)or (3)are shown by the public records. (c)Assurances to title to any property beyond the lines of the land expressly described in the description set forth in Schedule (A)(C) or in Part 2 of this Guarantee,or title to streets,roads,avenues,alleys,lanes,ways or waterways in which such land abuts,or the right to maintain therein vaults,tunnels,ramps or any other structure or improvement;or any rights or easements therein unless such property,rights or easements are expressly and specifically set forth in said description. (d)(1)Defects,liens,encumbrances,or adverse claims against the title,if assurances are provided as to such title,and as limited by such assurances. (2)Defects,liens,encumbrances,adverse claims or other matters (a)whether or not shown by the public records,and which are created,suffered,assumed or agreed to by one or more of the Assureds;(b)which result in no loss to the Assured;or (c)which do not result in the invalidity or potential invalidity of any judicial or non-judicial proceeding which is within the scope and pur- pose of assurances provided. 3.Notice of Claim to be Given by Assured Claimant. An Assured shall notify the Company promptly in writing in case any knowledge shall come to an Assured hereunder of any claim of title or interest which is adverse to the title to the estate or interest,as stated herein,and which might cause loss or damage for which the Company may be liable by virtue of this Guarantee.If prompt notice shall not be given to the Company,then all liability of the Company shall terminate with regard to the matter or matters for which such prompt notice is required;provided,however,that failure to notify the Company shall in no case prejudice the rights of any Assured under this Guarantee unless the Company shall be prejudiced by such failure and then only to the extent of the prejudice. 4.No Duty to Defend or Prosecute. The Company shall have no duty to defend or prosecute any action or proceeding to which the Assured is a party,notwithstanding the nature of any allegation in such action or proceeding. 5.Company’s Option to Defend or Prosecute Actions;Duty of Assured Claimant to Cooperate. Even though the Company has no duty to defend or prosecute as set forth in Paragraph 4 above: (a)The Company shall have the right,at its sole option and cost,to institute and prosecute any action or proceeding,interpose a defense,as limited in (b),or to do any other act which in its opinion may be necessary or desirable to establish the title to the estate or interest as stated herein,or to establish the lien rights of the Assured,or to prevent or reduce loss or damage to the Assured.The Company may take any appropriate action under the terms of this Guarantee,whether or not it shall be liable here- under,and shall not thereby concede liability or waive any provision of this Guarantee.If the Company shall exercise its rights under this paragraph,it shall do so diligently. (b)If the Company elects to exercise its options as stated in Paragraph 5(a)the Company shall have the rights to select counsel of its choice (subject to the right of such Assured to object for reasonable cause)to represent the Assured and shall not be liable for and will not pay the fees of any other counsel,nor will the Company pay any fees,costs or expenses incurred by an Assured in the defense of those causes of action which allege matters not covered by this Guarantee. (c)Whenever the Company shall have brought an action or interposed a defense as permitted by the provisions of this Guarantee, the Company may pursue any litigation to final determination by a court of competent jurisdiction and expressly reserves the right,in its sole discretion,to appeal from an adverse judgment or order. (d)In all cases where this Guarantee permits the Company to prosecute or provide for the defense of any action or proceeding,the Assured hereunder shall secure to the Company the right to prosecute or provide defense of any action or proceeding,and all appeals therein,and permit the Company to use,at its option,the name of such Assured for this purpose.Whenever requested by the Company,an Assured,at the Company‘s expense,shall give the Company all reasonable aid in any action or proceeding, securing evidence,obtaining witnesses,prosecuting or defending the action or lawful act which in the opinion of the Company may be necessary or desirable to establish the title to the estate or interest as stated herein,or to establish the lien rights of the Assured.If the Company is prejudiced by the failure of the Assured to furnish the required cooperation,the Company’s obliga- tions to the Assured under the Guarantee shall terminate. 6.Proof of Loss or Damage. In addition to and after the notices required under Section 3 of these Conditions and Stipulations have been provided to the Company,a proof of loss or damage signed and sworn to by the Assured shall be furnished to the Company within 90 days after the Assured shall ascertain the facts giving rise to the loss or damage.The proof of loss or damage shall describe the matters covered by this Guarantee which constitute the basis of loss or damage and shall state,to the extent possible,the basis of calculating the amount of the loss or dam- age.If the Company is prejudiced by the failure of the Assured to provide the required proof of loss or damage,the Company’s obligation to such assured under the Guarantee shall terminate.In addition,the Assured may reasonably be required to submit to examination under oath by any authorized representative of the Company and shall produce for examination,inspection and copying,at such reasonable times and places as may be designated by any authorized representative of the company,all records,books,ledgers,checks,correspondence and memoranda,whether bearing a date before or after Date of Guarantee,which reasonably pertain to the loss or damage.Further,if requested by any authorized representative of the Company,the Assured shall grant its permission,in writing,for any authorized represen- tative of the Company to examine,inspect and copy all records,books,ledgers,checks,correspondence and memoranda in the custody or control of a third party,which reasonably pertain to the loss or damage.All information designated as confidential by the Assured provided to the Company pursuant to this Section shall not be disclosed to others unless,in the reasonable judgment of the Company,it is neces- sary in the administration of the claim.Failure of the Assured to submit for examination under oath,produce other reasonably requested information or grant permission to secure reasonably necessary information from third parties as required in the above paragraph,unless prohibited by law or governmental regulation,shall terminate any liability of the Company under this Guarantee to the Assured for that claim. 7.Options to Pay or Otherwise Settle Claims:Termination of Liability. In case of a claim under this Guarantee,the Company shall have the following additional options: (a)To Pay or Tender Payment of the Amount of Liability or to Purchase the Indebtedness. The Company shall have the option to pay or settle or compromise for or in the name of the Assured any claim which could result in loss to the Assured within the coverage of this Guarantee,or to pay the full amount of this Guarantee or,if this Guarantee is issued for the benefit of a holder of a mortgage or a lienholder,the Company shall have the option to purchase the indebtedness secured by said mortgage or said lien for the amount owing thereon,together with any costs,reasonable attorneys’fees and expenses incurred by the Assured claimant which were authorized by the Company up to the time of purchase. Such purchase,payment or tender of payment of the full amount of the Guarantee shall terminate all liability of the Company hereunder.In the event after notice of claim has been given to the Company by the Assured the Company offers to purchase the indebtedness,the owner of such indebtedness shall transfer and assign said indebtedness,together with any collateral security, to the Company upon payment of the purchase price. Upon the exercise by the Company of the option provided for in Paragraph (a)the Company’s obligation to the Assured under this Guarantee for the claimed loss or damage,other than to make the payment required in that paragraph,shall terminate,including any obligation to continue the defense or prosecution of any litigation for which the Company has exercised its options under Paragraph 5,and the Guarantee shall be surrendered to the Company for cancellation. (b)To Pay or Otherwise Settle With Parties Other Than the Assured or With the Assured Claimant. To pay or otherwise settle with other parties for or in the name of an Assured claimant any claim assured against under this Guarantee,together with any costs,attorneys’fees and expenses incurred by the Assured claimant which were authorized by the Company up to the time of payment and which the Company is obligated to pay. Upon the exercise by the Company of the option provided for in Paragraph (b)the Company’s obligations to the Assured under this Guarantee for the claimed loss or damage,other than to make the payment required in that paragraph,shall terminate, including any obligation to continue the defense or prosecution of any litigation for which the Company has exercised its options under Paragraph 5. 8.Determination and Extent of Liability. This Guarantee is a contract of indemnity against actual monetary loss or damage sustained or incurred by the Assured claimant who has suffered loss or damage by reason of reliance upon the assurances set forth in this Guarantee and only to the extent herein described,and subject to the exclusions stated in Paragraph 2. The liability of the Company under this Guarantee to the Assured shall not exceed the least of: (a)the amount of liability stated in Schedule A; (b)the amount of the unpaid principal indebtedness secured by the mortgage of an Assured mortgagee,as limited or provided under Section 7 of these Conditions and Stipulations or as reduced under Section 10 of these Conditions and Stipulations,at the time the loss or damage assured against by this Guarantee occurs,together with interest thereon;or (c)the difference between the value of the estate or interest covered hereby as stated herein and the value of the estate or interest subject to the defect,lien or encumbrance assured against by this Guarantee. 9.Limitation of Liability. (a)If the Company establishes the title,or removes the alleged defect,lien or encumbrance,or cures the any other matter assured against by this Guarantee in a reasonably diligent manner by any method,including litigation and the completion of any appeals therefrom,it shall have fully performed its obligations with respect to that matter and shall not be liable for any loss or damage caused thereby. (b)In the event of any litigation by the Company or with the Company’s consent,the Company shall have no liability for loss or dam- age until there has been a final determination by a court of competent jurisdiction,and disposition of all appeals therefrom, adverse to the title,as stated herein. (c)The Company shall not be liable for loss or damage to any Assured for liability voluntarily assumed by the Assured in settling any claim or suit without the prior written consent of the Company. 10.Reduction of Liability or Termination of Liability. All payments under this Guarantee,except payments made for costs,attorneys’fees and expenses pursuant to Paragraph 5 shall reduce the amount of liability pro tanto. 11.Payment of Loss. (a)No payment shall be made without producing this Guarantee for endorsement of the payment unless the Guarantee has been lost or destroyed,in which case proof of loss or destruction shall be furnished to the satisfaction of the Company. (b)When liability and the extent of loss or damage has been definitely fixed in accordance with these Conditions and Stipulations, the loss or damage shall be payable within 30 days thereafter. 13.Subrogation Upon Payment or Settlement. Whenever the Company shall have settled and paid a claim under this Guarantee,all right of subrogation shall vest in the Company unaf- fected by any act of the Assured claimant. The Company shall be subrogated to and be entitled to all rights and remedies which the Assured would have had against any person or prop- erty in respect to the claim had this Guarantee not been issued.If requested by the Company,the insured claimant shall transfer to the Company all rights and remedies against any person or property necessary in order to perfect this right of subrogation.The Assured shall per- mit the Company to sue,compromise or settle in the name of the Assured and to use the name of the Asured in any transaction or litigation involving these rights or remedies. If a payment on account of a claim does not fully cover the loss of the Assured the Company shall be subrogated to all rights and remedies of the Assured after the Assured shall have recovered its principal,interest,and costs of collection. 13.Arbitration. Unless prohibited by applicable law,either the Company or the Assured may demand arbitration pursuant to the Title Insurance Arbitration Rules of the American Arbitration Association.Arbitrable matters may include,but are not limited to,any controversy or claim between the Company and the Assured arising out of or relating to this Guarantee,any service of the Company in connection with its issuance or the breach of a Guarantee provision or other obligation.All arbitrable matters when the Amount of Liability is $1,000,000 or less shall be arbi- trated at the option of either the Company or the Assured.All arbitrable matters when the Amount of Liability is in excess of $1,000,000 shall be arbitrated only when agreed to by both the Company and the Assured.The Rules in effect at Date of Guarantee shall be binding upon the parties.The award may include attorneys’fees only if the laws of the state in which the land is located permits a court to award attorneys’fees to a prevailing party.Judgment upon the award rendered by the Arbitrator(s)may be entered in any court having jurisdic- tion thereof. The law of the situs of the land shall apply to an arbitration under the Title Insurance Arbitration Rules. A copy of the Rules may be obtained from the Company upon request. 14.Liability Limited to this Guarantee;Guarantee Entire Contract. (a)This Guarantee together with all endorsements,if any,attached hereto by the Company is the entire Guarantee and contract between the Assured and the Company.In interpreting any provision of this Guarantee,this Guarantee shall be construed as a whole. (b)Any claim of loss or damage,whether or not based on negligence,or any action asserting such claim,shall be restricted to this Guarantee. (c)No amendment of or endorsement to this Guarantee can be made except by a writing endorsed hereon or attached hereto signed by either the President,a Vice President,the Secretary,an Assistant Secretary,or validating officer or authorized signatory of the Company. 15.Notices,Where Sent. All notices required to be given the Company and any statement in writing required to be furnished the Company shall include the number of this Guarantee and shall be addressed to:Old Republic National Title Insurance Company,400 Second Avenue South,Minneapolis, Minnesota 55401,(612)371-1111. Subdivision Guarantee Schedules SUBDIVISION GUARANTEE SCHEDULE A Order No.:M-41237 Guarantee No.:SG-08020937 Date of Guarantee:May 12, 2025 at 7:30AM Amount of Liability:$200.00 Premium:$200.00 1.Name of Assured: The County of Gallatin and any City within which said subdivision is located. 2.Subdivision Map Reference: AMENDED PLAT OF LOT 1, BLOCK 1, THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION 3.The map referred to above recites that it is a subdivision of the following described Land: See Exhibit "A" Attached for Legal Description 4.ASSURANCES: According to the Public Records the only parties having any record title interest in the Land included within the exterior boundary shown on the map of the above referenced subdivision whose signatures are necessary, under the requirements of the Subdivision Map Act, on the certificates consenting to the recordation of said map and offering for dedication any streets, roads, avenues and other easements offered for dedication by said map are: The Village Investment Group, Inc., a Montana Corporation and Michael W. Delaney and Ileana Indreland, as Trustees of the DELANEY/INDRELAND LIVING TRUST, dated January 17, 1996, each as to an undivided 50% interest Issued By: Montana Title & Escrow, Inc. 1925 N. 22nd Avenue Bozeman, MT 59718 Agent ID: A25118 __________________________________ Authorized Countersignature Order No.: M-41237 Guarantee No.: SG-08020937 Subdivision Guarantee Schedules Subdivision Guarantee Exhibit "A" Legal Description LOT 1, BLOCK 1, OF THE CORRECTION PLAT OF THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION, LOCATED IN THE NORTHWEST QUARTER OF SECTION 8, TOWNSHIP 2 SOUTH, RANGE 6 EAST OF P.M.M., CITY OF BOZEMAN, GALLATIN COUNTY, MONTANA, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE AND OF RECORD IN THE OFFICE OF THE COUNTY CLERK AND RECORDER, GALLATIN COUNTY, MONTANA. (PLAT J-700A) THE ABOVE DESCRIBED TRACT OF LAND IS TO BE KNOWN AND DESIGNATED AS AMENDED PLAT OF LOT 1, BLOCK 1, THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION, CITY OF BOZEMAN, GALLATIN COUNTY, MONTANA. EXHIBIT "B" – EXCEPTIONS 1. TAXES, SPECIAL AND GENERAL, ASSESSMENT DISTRICTS AND SERVICE AREAS FOR THE YEAR 2024. PARCEL NO.: RGH85238 1ST INSTALLMENT: $ 3,294.31 PAID. 2ND INSTALLMENT: $ 3,294.30 DUE AND PAYABLE AND WILL BE DELINQUENT IF NOT PAID ON OR BEFORE 6/2/2025. 2. GENERAL TAXES FOR THE YEAR 2025, A LIEN IN THE PROCESS OF ASSESSMENT, NOT YET DUE OR PAYABLE. 3. CITY TAXES, SPECIAL AND GENERAL, ASSESSMENT DISTRICTS AND SERVICE AREAS FOR THE YEAR 2024-2025. ACCOUNT NO. 148210. 1ST INSTALLMENT: $ 324.31 PAID. 2ND INSTALLMENT: $ 324.31 DUE AND PAYABLE AND WILL BE DELINQUENT IF NOT PAID ON OR BEFORE 5/31/2025. 4. NO LIABILITY IS ASSUMED FOR ANY SPECIAL ASSESSMENTS, SNOW REMOVAL, SEWER ASSESSMENT OR GARBAGE ASSESSMENT NOT SET FORTH IN THE ASSESSMENT BOOKS OF THE CITY OF BOZEMAN. 5. ASSESSMENTS FOR THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION PROPERTY OWNERS' ASSOCIATION, IF ANY. 6. ALL RIGHTS, TITLES OR INTERESTS IN MINERALS OF ANY KIND, OIL, GAS, COAL OR OTHER HYDROCARBONS AND THE CONSEQUENCES OF THE RIGHT TO MINE OR REMOVE SUCH SUBSTANCES INCLUDING, BUT NOT LIMITED TO EXPRESS OR IMPLIED EASEMENTS AND RIGHTS TO ENTER UPON AND USE THE SURFACE OF THE LAND FOR EXPLORATION, DRILLING OR EXTRACTION RELATED PURPOSES. (THIS COMMITMENT/POLICY DOES NOT PURPORT TO DISCLOSE DOCUMENTS OF RECORD PERTAINING TO THE ABOVE REFERENCED RIGHTS.) 7. TITLE TO ANY PROPERTY BEYOND THE LINES OF THE REAL PROPERTY EXPRESSLY DESCRIBED HEREIN, OR TITLE TO STREETS, ROADS, AVENUES, LANES, WAYS OR WATERWAYS ON WHICH SUCH REAL PROPERTY ABUTS, OR THE RIGHT TO MAINTAIN THEREIN VAULTS, TUNNELS, RAMPS OR ANY OTHER STRUCTURE OR IMPROVEMENT; OR ANY RIGHTS OR EASEMENTS THEREIN UNLESS SUCH PROPERTY, RIGHTS OR EASEMENTS ARE EXPRESSLY AND SPECIFICALLY SET FORTH IN SAID DESCRIPTION. 8. (A) UNPATENTED MINING CLAIMS; (B) RESERVATIONS OR EXCEPTIONS IN PATENTS OR IN ACTS AUTHORIZING THE ISSUANCE THEREOF; (C) WATER RIGHTS CLAIMS OR TITLE TO WATER. 9. NOTATIONS, EASEMENTS, AND ALL OTHER MATTERS AS DELINEATED ON THE OFFICIAL PLATS OF MINOR SUBDIVISION NOS. 344, 344A, 344B AND 344C, ON FILE AND OF RECORD WITH THE GALLATIN COUNTY CLERK, OFFICIAL RECORDS OF GALLATIN COUNTY, STATE OF MONTANA. DOCUMENT LINK 10. AN EASEMENT UPON THE TERMS, CONDITIONS AND PROVISIONS CONTAINED THEREIN FOR THE PURPOSE SHOWN BELOW AND RIGHTS INCIDENTAL THERETO AS GRANTED IN A DOCUMENT RECORDED NOVEMBER 28, 1962, AS BOOK 20, PAGE 425, OFFICIAL RECORDS: PURPOSE: SANITARY SEWER LINE DOCUMENT LINK RELEASE AND RECONVEYANCE OF EASEMENTS BY THE CITY OF BOZEMAN, RECORDED OCTOBER 7, 2021 AS DOCUMENT NO. 2754055, OFFICIAL RECORDS. DOCUMENT LINK 11. TERMS, PROVISIONS, COVENANTS, CONDITIONS, RESTRICTIONS AND EASEMENTS, PROVIDED IN THE COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE VILLAGE BOULEVARD SUBDIVISION DOWNTOWN SUBDIVISION, BUT OMITTING ANY COVENANT, CONDITION OR RESTRICTION, IF ANY, BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS OR NATIONAL ORIGIN UNLESS AND ONLY TO THE EXTENT THAT THE COVENANT, CONDITION OR RESTRICTION (A) IS EXEMPT UNDER TITLE 42 OF THE UNITED STATES CODE, OR (B) RELATES TO HANDICAP, BUT DOES NOT DISCRIMINATE AGAINST HANDICAPPED PERSONS, IN DOCUMENT RECORDED JUNE 17, 2004, AS DOCUMENT NO. 2153802, OFFICIAL RECORDS. DOCUMENT LINK SAID COVENANTS, CONDITIONS AND RESTRICTIONS WERE MODIFIED IN PART BY INSTRUMENT RECORDED NOVEMBER 24, 2004, AS DOCUMENT NO. AS DOCUMENT NO. 2171082, OFFICIAL RECORDS. DOCUMENT LINK SAID COVENANTS, CONDITIONS AND RESTRICTIONS WERE MODIFIED IN PART BY INSTRUMENT RECORDED APRIL 25, 2005, AS DOCUMENT NO. AS DOCUMENT NO. 2185463, OFFICIAL RECORDS. DOCUMENT LINK SAID COVENANTS, CONDITIONS AND RESTRICTIONS WERE MODIFIED IN PART BY INSTRUMENT RECORDED APRIL 28, 2011, AS DOCUMENT NO. 2387415, OFFICIAL RECORDS. DOCUMENT LINK 12. TERMS AND CONDITIONS OF CONDITIONS OF APPROVAL OF A CONDITIONAL USE PERMIT, RECORDED MARCH 09, 2005, AS DOCUMENT NO. AS DOCUMENT NO. 2180691, OFFICIAL RECORDS. DOCUMENT LINK 13. TERMS AND CONDITIONS OF WAIVER OF RIGHT TO PROTEST CREATION OF SPECIAL IMPROVEMENT DISTRICTS, RECORDED SEPTEMBER 10, 2004, AS DOCUMENT NO. AS DOCUMENT NO. 2162822, OFFICIAL RECORDS. DOCUMENT LINK 14. TERMS AND CONDITIONS OF WAIVER OF RIGHT TO PROTEST CREATION OF PARK MAINTENANCE DISTRICT, RECORDED SEPTEMBER 10, 2004, AS DOCUMENT NO. AS DOCUMENT NO. 2162823, OFFICIAL RECORDS. DOCUMENT LINK 15. TERMS AND CONDITIONS OF STORM WATER EASEMENT, RECORDED APRIL 22, 2005, AS DOCUMENT NO. 2185262, OFFICIAL RECORDS. DOCUMENT LINK 16. AN EASEMENT OVER SAID LAND FOR LINEAR PARK, PUBLIC ACCESS AND UTILITIES AND INCIDENTAL PURPOSES, AS GRANTED TO THE CITY OF BOZEMAN, RECORDED APRIL 22, 2005, AS DOCUMENT NO. 2185263, OFFICIAL RECORDS. DOCUMENT LINK 17. TERMS, CONDITIONS AND PROVISIONS IN SEWER AND WATER PIPELINE AND ACCESS EASEMENT AND AGREEMENT AS GRANTED TO THE CITY OF BOZEMAN, RECORDED SEPTEMBER 13, 2019, AS (INSTRUMENT) 2657884, OFFICIAL RECORDS. DOCUMENT LINK 18. LETTER BY THE MONTANA DEPARTMENT OF ENVIRONMENTAL QUALITY REGARDING MINOR SUBDIVISION NO. 344C MUNICIPAL FACILITIES EXCLUSION, RECORDED APRIL 17, 2019, AS (INSTRUMENT) 2642452, OFFICIAL RECORDS. DOCUMENT LINK 19. LETTER BY THE MONTANA DEPARTMENT OF ENVIRONMENTAL QUALITY IN REGARDS TO THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION MUNICIPAL FACILITIES EXCLUSION, RECORDED DECEMBER 7, 2021 AS DOCUMENT NO. 2760681, OFFICIAL RECORDS. DOCUMENT LINK 20. WAIVER OF RIGHT TO PROTEST CREATION OF SPECIAL IMPROVEMENT DISTRICTS, RECORDED AUGUST 18, 2021 AS DOCUMENT NO. 2746823, OFFICIAL RECORDS. DOCUMENT LINK 21. NOTATIONS, EASEMENTS, CONDITIONS, AND ALL OTHER MATTERS A SHOWN ON THE RECORDED PLAT OF THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION, PLAT J-700, AND CORRECTION PLAT J-700A, OFFICIAL RECORDS. DOCUMENT LINK 22. TERMS, PROVISIONS, COVENANTS, CONDITIONS, RESTRICTIONS AND EASEMENTS, PROVIDED IN THE PARKLAND COVENANTS, BUT OMITTING COVENANTS OR RESTRICTIONS, IF ANY, BASED UPON RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, FAMILIAL STATUS, MARITAL STATUS, DISABILITY, HANDICAP, NATIONAL ORIGIN, ANCESTRY, OR SOURCE OF INCOME, AS SET FORTH IN APPLICABLE STATE OR FEDERAL LAWS, EXCEPT TO THE EXTENT THAT SAID COVENANT OR RESTRICTION IS PERMITTED BY APPLICABLE LAW, IN DOCUMENT RECORDED DECEMBER 7, 2021, AS (INSTRUMENT) 2760685, OFFICIAL RECORDS. DOCUMENT LINK SAID COVENANTS, CONDITIONS AND RESTRICTIONS WERE MODIFIED IN PART BY INSTRUMENT RECORDED DECEMBER 23, 2021, AS (INSTRUMENT) 2762649, OFFICIAL RECORDS. DOCUMENT LINK 23. RIGHTS OF CO-TENANTS TO POSSESSION, CONTRIBUTION, AND PARTITION. 24. NOTATIONS, EASEMENTS, CONDITIONS OF APPROVAL, AND ALL OTHER MATTERS AS SHOWN ON THE PRELIMINARY PLAT OF AMENDED PLAT OF LOT 1, BLOCK 1, THE PARKLANDS AT VILLAGE DOWNTOWN SUBDIVISION. 25. TRUST INDENTURE TO SECURE AN INDEBTEDNESS OF $2,000,000.00, DATED MAY 1, 2025, RECORDED APRIL 30, 2025, AS (INSTRUMENT) 2849502, OFFICIAL RECORDS. TRUSTOR: BOARDWALK PROPERTIES, INC., A MONTANA CORPORATION TRUSTEE: MONTANA TITLE & ESCROW, INC. BENEFICIARY: COMBS CAPITAL LC, A MONTANA LIMITED LIABILITY COMPANY *********************** END OF SCHEDULE B *********************** Privacy Policy Last Updated and Effective Date: December 1, 2024 This Privacy Notice (“Notice”) describes how Mother Lode Holding Company and its subsidiaries and affiliates (collectively, “Mother Lode,” “we,” “us,” or “our”) collect, use, store, and share your personal information when: (1) you access or use our websites, mobile applications, web-based applications, or other digital platforms where this Notice is posted (“Sites”); (2) you use our products and services (“Services”); (3) you communicate with us in any manner, including by e-mail, in-person, telephone, or other communication method (“Communications”); (4) we obtain your information from third parties, including service providers, business partners, and governmental departments and agencies (“Third Parties”); and (5) you interact with us to conduct business dealings, such as the personal information we obtain from business partners and service providers and contractors who provide us certain business services (“B2B”). Personal information is sometimes also referred to as personal data, personally identifiable information or other like terms to mean any information that directly or indirectly identifies you or is reasonably capable of being associated with you or your household. However, certain types of information are not personal information and thus, not within the scope of our Notice, such as: (1) publicly available information; and (2) de-identified and aggregated data that is not capable of identifying you. If we use de-identified or aggregated data, we commit to maintain and use the information in a non-identifiable form and not attempt to reidentify the information, unless required or permitted by law. This Notice applies wherever it is posted. To the extent a Mother Lode subsidiary or affiliate has different privacy practices, such entity shall have their own privacy statement posted as applicable. Please note that this Notice does not apply to any information we collect from job candidates and employees. Our employee and job candidate privacy notice can be found here. If you are a California resident, click here for specific disclosures about how we collect, use, store and disclose your personal information, along with your privacy rights. Notice at Collection What Type of Information Do We Collect About You? Depending upon how you interact with our Sites and Services, the nature of your Communications, and the nature of our interaction with Third Parties, we may collect the following information from and about you: Direct identifiers, including but not limited to your unique online identifier, name, alias, social media handle, IP address, username and password, postal and/or e-mail address, phone number, account name and/or account number, social security number, driver’s license number, passport number, and/or state identification number. Related identifiers, including but not limited to your date of birth, bank, credit, or debit card number, financial information, and/or insurance policy number. Physical characteristics, including protected characteristics under federal and state law, such as age, sex, race, and ethnicity. Commercial information, including records of products or services purchased, obtained, or considered. Biometric information, such as fingerprints and voice recordings. Internet or other electronic network activity information, with our Sites and in Communications, including browser type and version, browser settings, operating systems and platform, device type, operating information, mobile carrier, page response time and download errors. Geolocation data, such as your zip code and time zone. Audio, electronic, visual, and thermal information, including telephone recordings, electronic communication records, and security camera footage from applicable Mother Lode properties. Professional or employment-related information, such as your work history, salary history, and education history. 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We collect your personal information in three ways: Directly from you when you access or use our Sites or Services, conduct business dealings with us in the B2B context or when you communicate with us in any manner, including but not limited to: Personal information you provide by filling out forms in person or electronically through our Sites, including information provided at the time of registering for any Service or event, posting material, or requesting further services or information; Personal information you provide when you access or use our Services; Personal information you provide when you conduct B2B dealings with us; Personal information you provide when you report a problem with our Sites; Records and copies of your correspondence (e.g., email address) if you contact us; Your responses to surveys that we might ask you to complete; Details of transactions you carry out through our Sites, and the fulfillment of your orders; and Your search queries on the Sites. Automatically when you access or use our Sites or Services, conduct business dealings or when you communicate with us, including but not limited to: Details of your visits to the Sites, including traffic data, location data, logs and other communication data; Information about your computer and mobile device, and internet connection, including your IP address, operating system, and browser type; and Interactivity with an e-mail, including opening, navigating, and click-through information. From Third Parties, including but not limited to: Data analytics providers for the purpose of receiving statistical data about your activity on our Sites; Social media networks for the purpose of collecting certain of your social media profile information and activity, including your screen names, profile picture, contact information, contact list, and the profile pictures of your contacts, through the social media platform; Service providers, including but not limited to internet service providers, fraud prevention services, and related partners; and Public sources, including local, state, and federal government agencies and departments, to facilitate your use of the Sites, and to provide you with our Services. How Do We Use Your Information? We use the personal information outlined in What Type of Information Do We Collect About You for a variety of business and commercial purposes, including but not limited to: Provide the Sites to you;Protect and enforce your rights and the Provide the Services you have requested; Conduct business dealings with you; Fulfill a transaction you requested or service your policy; Handle a claim; Create and manage your account; Operate the Sites, including access management, payment processing, Site administration, internal operations, troubleshooting, data analysis, testing, research, and for statistical purposes; Respond to your requests, feedback, or inquiries; Comply with laws, regulations, and other legal requirements; Comply with relevant industry standards and our policies; rights of other users against unlawful activity, including identity theft and fraud; Protect and enforce our collective rights arising under any agreements entered between Mother Lode and you or any other Third Party; Protect the integrity and maintain security of our Sites and Services; Operate, evaluate, and improve our business; and Deliver content tailored to your interests and the way you use the Sites; Present content in a manner that is optimized for your device; Measure and analyze the effectiveness of the Sites and Services we provide to you. How Do We Disclose Your Personal Information? We do not sell your personal information or share your personal information for cross-context behavioral advertising. We may, however, disclose personal information referenced in What Type of Information Do We Collect About You with others for a variety of business and commercial purposes, including: With your consent. We may disclose your personal information with your consent. We may obtain your consent in writing; online, through “click-through” agreements; when you accept the terms of use on our Sites; orally, either in person or on the phone; or by other means. In a business transfer. We may disclose your personal information as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to Third Parties as a business asset in the transaction. To non-affiliated third parties, such as service providers and contractors. We may disclose your personal information with other parties, such as service providers and contractors, to facilitate your access and use of our Sites and Services, including but not limited to internet service providers, data analytics providers, governmental entities, operating systems and platforms, social medial networks, and service providers who provide us a service (e.g., credit / debit card processing, billing, shipping, repair, customer service, auditing, debugging to identify and repair errors that impair existing intended functionality on our Sites or Services, and/or protecting against malicious, deceptive, fraudulent, or illegal activity). To subsidiaries and affiliates. We may disclose your personal information with our Mother Lode subsidiaries and affiliates to further facilitate your use of our Sites and Services, and to ensure the smooth and consistent operations of Mother Lode by identifying and repairing errors that impede intended functionality and to protect against malicious, deceptive, fraudulent, or illegal activity. For legal process and protection. We may disclose your personal information to satisfy any law, regulation, legal process, governmental request, or where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to: o Enforce or apply agreements, or initiate, render, bill, and collect for Services; o Protect our rights or interests, property or safety or that of others; o In connection with claims, disputes, or litigation - in court or elsewhere; o Protect users of our Sites and Services and other carriers or providers from fraudulent, abusive, or unlawful use of, or subscription to, such services; and o Facilitate or verify the appropriate calculation of taxes, fees, or other obligations due to a local, state, or federal government. Links To Third Party Sites Our Sites may contain links to Third Party websites and services. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Notice applies to our Sites only, and we do not accept any responsibility or liability for the policies or practices of any Third Parties. Third Party Tracking / Do Not Track Our Sites may, from time to time, collect information about your online activities, over time and across our different Sites. When you use our Sites, third parties may also collect information about your online activities, over time and across different internet websites, online or cloud computing services, online applications, or mobile applications. Some browsers support a “Do Not Track” feature, which is intended to be a signal to websites that you do not wish to be tracked across different websites you visit. Our Sites do not currently change the way they operate based upon detection of a “Do Not Track” or similar signal. Social Media Integration Our Sites and/or Services may, from time to time, contain links to and from social media platforms. You may choose to connect to us through a social media platform, such as Facebook or Twitter. When you do, we may collect additional information from or about you, such as your screen names, profile picture, contact information, contact list, and the profile pictures of your contacts, through the social media platform. Please be advised that social media platforms may also collect information from you. We do not have control over the collection, use and sharing practices of social media platforms. We therefore encourage you to review their usage and disclosure policies and practices, including their data security practices, before using the social media platforms. How Do We Store and Protect Your Personal Information? Although no system can guarantee the complete security of your personal information, we take all commercially reasonable steps to ensure your personal information is protected in alignment with all applicable laws and regulations, as appropriate to the sensitivity of your personal information. How Long Do We Keep Your Personal Information? We keep your personal information for as long as necessary in accordance with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. If we dispose of your information, we will do so in a way that is secure and appropriate to nature of the information subject to disposal. Cookies and Related Technology We may use browser cookies, beacons, pixel tags, scripts, and other similar technologies from time to time to support the functionality of our Sites and Services. A cookie is a piece of information contained in a very small text file that is stored in your Internet browser or elsewhere on your hard drive. Cookies are transferred from our Sites to your computer, phone or tablet, and allow us to identify your device whenever you return to our Sites. These technologies provide a better experience when you use our Sites and Services, and allow us to improve our services. We may also use analytic software, such as Google Analytics and others, to help better understand how our Sites function on your device(s) and for other analytical purposes. To learn more about how Google uses data when you use our Sites, see How Google uses data when you use our partners’ sites or apps. You can opt-out of Google Analytics by installing Google’s opt-out browser add-on here https://tools.google.com/dlpage/gaoptout. Below is an overview of the types of cookies and related technology we deploy, and your choices. Browser Cookies. A browser cookie is a small file placed on the hard drive of your computer. That cookie then communicates with servers, ours or those of other companies that we authorize to collect data for us and allows recognition of your personal computer. You may use the tools available on your computer or other device(s) to set your browser to refuse or disable all or some browser cookies, or to alert you when cookies are being set. However, if you refuse or disable all browser cookies, you may be unable to access certain parts or use certain features or functionality of our Sites. Unless you have adjusted your browser settings so that it refuses all cookies, we may use cookies when you direct your browser to our Sites. Beacons. Our Sites and e-mails may contain small electronic files known as beacons (also referred to as web beacons, clear GIFs, pixel tags and single-pixel GIFs) that permit us to, for example, to count users who have visited those pages or opened an e-mail and for other website-related statistics. You may use the tools in your device to disable these technologies as well. Third Party Technology. Our service providers may also use cookies and beacons to collect and share information about your activities both on our Sites and on other websites and applications. In addition, third parties that are unaffiliated with us may also collect information about you, including tracking your browsing history, when you use our Sites. We do not have control over these third-party collection practices. If you wish to minimize these third-party collections, you can adjust the settings of your browsers or install plug-ins and add-ins. Your Choices. You may wish to restrict the use of cookies or completely prevent them from being set. Most browsers provide for ways to control cookie behavior, such as the length of time they are stored. If you disable cookies, please be aware that some of the features of our Sites may not function correctly. To find out more on how to manage and delete cookies, visit www.aboutcookies.org. For more details on your choices regarding use of your web browsing activity for interest-based advertising, you may visit the following sites: http://networkadvertising.org/ http://optout.aboutads.info/ http://youradchoices.com/ Your Choices We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and disclosure of your personal information. For California residents, please click here to understand how to exercise your rights. Right of Correction. Regardless of where you live, you may submit a request that we correct or update the information we have about you. Right to Change Preferences. Regardless of where you live, you may change your choices for subscriptions, newsletters, and alerts.  Right to Control Advertising and Online Tracking. Regardless of where you live, you have a right to control how your personal information is tracked online. To learn more about these rights, see Cookies and Related Technologies. Right of Non-Discrimination. Regardless of where you live, you have a right to exercise your rights under this section free of discrimination. Mother Lode will not discriminate against you in any way if you choose to exercise your rights under this section. California Consumer Privacy Act Rights and Disclosures The following disclosures are made pursuant to the California Consumer Privacy Act, as amended by the California Privacy Rights Act and its implementing regulations (“CCPA”). Relevant CCPA Definitions Term Definition Personal information Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you or your household. Sensitive personal information Personal information that reveals your social security number, driver’s license number, state identification card, passport number, account log-in and password, financial account and password, debit or credit card number and access code, precise geolocation information, race, ethnic origin, citizenship or immigration status, religious or philosophical beliefs, union membership, the content of your mail, email or texts other than those communications with us, genetic data, neural data, biometric information, health information, and information that concerns your sex life or sexual orientation. Sell, sale, or sold Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by other means, your personal information to a third party for monetary or other valuable consideration. Share, shared, or sharing Sharing, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, your personal information to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration, including transactions between us and a third party for cross-context behavioral advertising for our benefit in which no money is exchanged. Summary of Categories of Personal Information Collected and Disclosed Below is a summary of the categories of personal information we have collected from and about you in the twelve months preceding the date this Notice was last updated. Also included in this description is personal information about: (1) why the personal information is collected and used; (2) whether the information is “sold” or “shared” to third parties; (3) whether the information is disclosed for a business purpose to third parties; (4) whether the information includes “sensitive personal information”; and (5) a description of how long we may keep your information. To learn more about the personal information we will collect on an ongoing basis, please see our Notice at Collection above. Categories of Personal Information: Identifiers (Includes Sensitive Personal Information): Includes personal information such as your name, alias, postal address, and telephone number, unique online identifier, social media handle, IP address, username and password, email address, account name and/or account number, social security number, driver’s license number, passport number or state identification number. Physical Characteristics (Includes Sensitive Personal Information): Includes personal information such as your race, sex, age and ethnicity. Financial Information (Includes Sensitive Information): Includes personal information such as bank account number, credit card number, debit card number, insurance policy number or other financial information. Internet or other Electronic Network Activity Information: Includes personal information such as browser type and version, browser settings, operating systems and platform, device type, operating information, mobile carrier, page response time and download errors. Commercial Information: Includes personal information such as records of products or services purchased, obtained, or considered. Biometric Information (Includes Sensitive Personal Information): Includes personal information such as fingerprints, and voice recordings. Professional and Educational Information: Includes your work history, salary history, and education history. Audio, Electronic, Visual, Thermal, and Related Information: Includes personal information such as photographs, video recordings, or recorded messages. Geolocation: Such as zip code and time zone. Category Disclosure Information Disclosure Categories Description Identifiers* We collect this personal information directly from you or automatically from your device(s). We also may collect this personal information from third parties such as service providers and government agencies. Physical Characteristics* Financial Information* We collect this personal information directly from you. We also may collect this personal information from other parties, such as service providers. Internet or other Electronic Activity Information Commercial Information Biometric Information* We collect this personal information directly from you or automatically from your device(s). We also may collect this personal information from other parties such as service providers. Professional and Educational Information* We collect this personal information directly from you. We also may collect this personal information from other parties such as service providers and government agencies. How do we collect this information? Audio, Electronic, Visual, and Related Information We collect this personal information directly from you or automatically from your device(s). We also may collect this personal information from other parties such as service providers. The categories of sensitive personal information we collect include social security number, driver’s license number, passport number, racial or ethnic origin, health information, bank account number, Does this include sensitive personal information? credit card number, debit card number, or any other financial information with a required access or security code, password, or credentials. *Denotes which categories may include sensitive personal information. We do not process your sensitive personal information other than for the purposes permitted under the CCPA, such as providing the Sites to you, providing the Services you requested, fulfilling a transaction you requested or servicing your policy. Is the information “sold” or “shared”? No. To the extent any Mother Lode affiliated entity has a different practice, it will be stated in the applicable privacy notice posted for the particular affiliated entity. What is our business purpose for collecting your information? See How Do We Use Your Personal Information above. Who do we disclose this information to? See How Do We Share Your Personal Information above. How long do we keep the information? We keep your personal information for so long as is reasonably necessary and proportionate to the original purpose for which we collected the personal information. We base our criteria in determining appropriate retention periods on regulatory and legal requirements, contractual requirements, business needs, and the expectations of you. Notice of Disclosure for a Business Purpose To learn more about the categories of personal information we have disclosed for a business purpose about California residents over the last twelve months, including the categories of parties with whom we have disclosed that personal information, please see What Type of Personal Information Do We Collect About You and How Do We Share Your Personal Information. Notice of Sale or Sharing We do not sell or share personal information as defined under the CCPA, nor have we sold or shared such personal information in the past 12 months. To the extent any Mother Lode affiliated entity has a different practice, it will be stated in the applicable privacy notice posted for the particular affiliated entity. We have no actual knowledge of selling or sharing the personal information of minors under the age of 16. Your Rights Under CCPA and its implementing regulations, you have a Right to Know, Right to Correct, Right to Delete, and Right to Non-Discrimination. We do not offer a right to opt out of sale or sharing or limit the use and disclosure of sensitive personal information because we do not sell or share your personal information or use your sensitive personal information other than for permitted purposes under the CCPA. We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and disclosure of your personal information. Please note that for some of these rights, such as the Right to Know, Right to Correct, and Right to Delete, we will verify your identity before we respond to your request. To verify your identity, we will generally match the identifying personal information provided in your request with the information we have on file about you. Depending on the sensitivity of the personal information related to your rights request, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury. Right to Know. You have a right to confirm whether we are processing your personal information and ask that we disclose to you the categories and specific pieces of personal information we have collected about you including a description of the categories of sources from which we have collected that personal information, the business or commercial purpose for collecting or sharing that information, and the categories of third parties to whom we have disclosed that personal information. You have the right to receive this information in a format, to the extent technically feasible, that is portable, usable, and allows you to transmit the personal information to a person without impediment. You may submit this request by clicking here or by calling 1-877-626-0668. You may also designate an authorized agent to submit a request on your behalf. Right to Correct. You have a right to ask that we correct your personal information, subject to appropriate legal exceptions. You may submit this request by clicking here or by calling 1-877-626-0668. You may also designate an authorized agent to submit a request on your behalf. Right to Delete. You have a right to ask that we delete your personal information, subject to appropriate legal exceptions. You may submit this request by clicking here or by calling 1-877-626-0668. You may also designate an authorized agent to submit a request on your behalf. Right of Non-Discrimination. You have a right to exercise your rights under this section free of discrimination. Mother Lode will not discriminate against you in any way if you choose to exercise your rights under this section. Authorized Agents If permitted or required by applicable law, you may exercise your privacy rights through an authorized agent. If we receive your request from an authorized agent, we may ask for evidence that you have provided such agent with a power of attorney or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you are an authorized agent seeking to make a request, please submit the Authorized Agent Form. California Minors If you are a California resident under the age of 18, California Business and Professions Code § 22581 permits you to request and obtain removal of content or information you have publicly posted on any of our Sites. To make such a request, please send an email with a detailed description of the specific content or information to privacy@mlhc.com. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and there may be circumstances in which the law does not require or allow removal even if requested. Children Our Sites and Services are not intended for children under the age of 18. This includes any links to other websites that we provide for our convenience. We do not knowingly collect personal information of children for any reason. International Jurisdictions Our Sites and Services are hosted and offered in the United States of America (US), and are subject to US federal, state, and local law. If you are accessing the Sites or Services from another country, please be advised that you may be transferring your information to us in the US, and you consent to that transfer and use of your personal information in accordance with this Notice. You also agree to abide by the applicable laws of applicable US federal, state, and local laws concerning your use of the Sites and Services, and your agreements with us. Any persons accessing our Sites or Services from any jurisdiction with laws or regulations governing the use of the Internet, including the collection, use, or disclosure of information, different from those of the jurisdictions mentioned above may only use the Sites or Services in a manner lawful in their jurisdiction. If your use of the Sites or Services would be unlawful in your jurisdiction, you may not use the Sites or Services. Accessibility We are committed to making our content accessible and user friendly to everyone. To request a copy of this Notice in an alternative format, please contact us at accessibility@mlhc.com or 1-877-626- 0668. Changes To Our Privacy Notice We may change this Notice from time to time. Any and all changes will be reflected on this page, and where appropriate provided in person or by another electronic method. The effective date will be stated at the top of this Notice. You should regularly check this page for any changes to this Notice. YOUR CONTINUED USE, ACCESS, OR INTERACTION WITH THE SITES OR SERVICES, OR YOUR CONTINUED COMMUNICATIONS WITH US AFTER THE UPDATED NOTICE HAS BEEN POSTED WILL REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THIS NOTICE. Contact Us If you have any questions, please contact us at privacy@mlhc.com or by calling 1-877-626-0668. . GRAMM-LEACH-BLILEY ACT PRIVACY POLICY NOTICE Title V of the Gramm-Leach-Bliley Act (GLBA) requires financial companies to provide you with a notice of their privacy policies and practices, such as the types of nonpublic personal information that they collect about you and the categories of persons or entities to whom it may be disclosed. In compliance with the Gramm-Leach-Bliley-Act, we are notifying you of the privacy policies and practices of: Mother Lode Holding Co. Montana Title and Escrow Co. National Closing Solutions, Inc. National Closing Solutions of Alabama National Closing Solutions of Maryland Premier Reverse Closings Centric Title and Escrow Placer Title Co. Placer Title Insurance Agency of Utah Premier Title Agency North Idaho Title Insurance Co. Texas National Title Western Auxiliary Corp. Wyoming Title and Escrow Co. Wisconsin Title Closing Service, Inc. The types of personal information we collect and share depend on the transaction involved. This information may include: Identity information such as Social Security number and driver's license information. Financial information such as mortgage loan account balances, checking account information and wire transfer instructions Information from others involved in your transaction such as documents received from your lender We collect this information from you, such as on an application or other forms, from our files, and from our affiliates or others involved in your transaction, such as the real estate agent or lender. We may disclose any of the above information that we collect about our customers or former customers to our affiliates or to non-affiliates as permitted by law for our everyday business purposes, such as to process your transactions and respond to legal and regulatory matters. We do not sell your personal information or share it for marketing purposes. We do not share any nonpublic personal information about you with anyone for any purpose that is not specifically permitted by law. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Questions about this notice and privacy policy may be sent to MLHC Counsel, Legal Dept., 185 Fulweiler Avenue, Auburn, CA 95603 or privacy@mlhc.com.